I only have 2 yrs of credit history so I'm looking to build a lot more credit. Right now I'm at $6.75K CL vs $88K Income.I'm shoked that CC companies are still giving that amount of credit (like Calipso for example) since the credit crisis in 08, I can't think of a good reason to have a ratio higher than 1:1 except for improving your credit score but I have no idea how it affects, anybody?

I searched the forums and didn't find much. I figured I would see if anyone wants to post on how much they have available vs. how much they make.

My current limits are almost $90,000 combined against the $30,000 I make per year.

It took years to get this. I have gotten almost $40,000 in the last year in credit limits, but that was due to building trust and such with good credit unions like Navy Federal. (They increased my Navcheck from $5,000 to $10,000. Approved me for $10,000 limit on their Platinum card. Increased my nRewards from $2,000 to $8,000.)

Keeping your reports clean definitely helps.

That's impressive! I had no idea that was possible. If you don't mind me asking, what's the reason you would want that amount of credit?

Income: 95K USD per year.Credit: 3500 CAD on a Canadian credit card and 9500 USD on an American credit card.

I've had my Canadian card (RBC Royal Bank) since I was a student roughly 9 years ago; I've had my American credit card (Bank of America) for 6 months. I'm pretty sure my credit scores in Canada isn't that great (just before moving to the US, I have repeatedly maxed out my card, but managed to pay off my balances in full with a lot of help), and I don't have any information on my US credit scores.

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